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PENGARUH RETURN OF ASSET, RETURN OF EQUITY, NET PROFIT MARGIN, DAN EARNINGS PER SHARE TERHADAP HARGA SAHAM PADA PERUSAHAAN MANUFAKTUR YANG TERDAFTAR DI BEI PERIODE 2009-2012 Rakidewo, Pion Seto; Champaca, Mychelia
Jurnal Ilmiah Mahasiswa FEB Vol. 2 No. 2
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

From some of the facts, the performance of manufacturing firms in 2014 is predicted  to decline that led to investor uncertainty in determining investment decisions. Therefore,  investors need to measure the success of the company in investment activity through the  analysis of the profitability ratio, which is expected to be used to predict the stock price with  good manufacturing company. The purpose of research to determine the effect Return on  Assets (ROA), Return on Equity ( ROE ), Net Profit Margin (NPM) and Earning Per Share  (EPS) simultaneously significant effect on stock prices and to determine the effect of Return  On Equity (ROE), Return On Assets (ROA), Net Profit Margin ( NPM ) and Earning Per  Share (EPS) is partially significant effect on stock prices.Kata kunci : Return on Assets, Return on Equity, Net Profit Margin, Earning Per Share, dan Harga Saham.
PENINGKATAN KEMAMPUAN PEMASARAN DIGITAL PADA KARANG TARUNA DESA TANAH MERAH SAMPANG Champaca, Mychelia; Firdausiah, Ayu; Nurhidayat, Moch
Jurnal Likhitaprajna Vol 8 No 2 (2024)
Publisher : FKIP Universitas Wisnuwardhana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37303/peduli.v8i2.633

Abstract

The global industrial transition to the era of digitalization occurred at the same time as the expansion of the Internet, which had a major impact on this transition during the Covid-19 pandemic. It has been proven that digital marketing initiatives including creating websites, using social media, and using e-commerce platforms strengthen the ability of SMEs to compete. A form of government effort to encourage community activities focused on increasing digitalization to remote areas through academic institutions, whether universities or high schools, and training institutions that intensively explore the issue of digitalization. The important role of entrepreneurship through SMEs has also been shown to be very significant in encouraging the regional economy. Research examining studies on the main topic of marketing digitalization shows the use of digital marketing media such as; electronic commerce, electronic platforms, mobile marketing, e-marketing, and social media. The results of implementing this Community Service activity are in accordance with the objectives to be achieved in this activity, namely, increasing the insight of village youth as measured by responses during participant feedback. The majority of young men and women do not know that digital marketing media can be used to sell any product that has sales value. In addition, some participants who already had products expressed their interest in selling products through the marketplace platform which was conveyed in the activity simulation.
Analyzing The Impact of Financial Literacy on Investment Interest with Locus of Control as The Mediating Variable Aulia Falyauma Risky; Mychelia Champaca
Jurnal Management Risiko dan Keuangan Vol. 4 No. 2 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/jmrk.2025.04.2.08

Abstract

Indonesian investment and financial markets, which were then considered exclusive and complicated, are now growing rapidly. University students’ role in the capital market reflects a better financial behavior, and this is supported by their sufficient financial literacy that makes way for more comprehensive financial inclusion. All of these lead to a notion that financial behavior, financial literacy, and locus of control play a crucial role in increasing individuals’ investment intention. Therefore, the objective of this research is to identify and analyze the effects of financial behavior and financial literacy on the intention of graduate students of Faculty of Economics and Business of Universitas Brawijaya to make investments with locus of control as the moderating variable. This replication study uses primary data harvested via a survey technique to respondents selected using purposive sampling technique. The acquired data was analyzed through multiple linear regression. This study finds that financial behavior and financial literacy influence the investment intention and that locus of control does not moderate the effects of financial literacy on the investment intention.
Profitability and Efficiency Analysis to Measure the Impact of Fintech on The Financial Performance of Regional Development Banks Pardede, Vivaldi Wijaya; Champaca, Mychelia
Jurnal Management Risiko dan Keuangan Vol. 4 No. 3 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/jmrk.2025.04.3.01

Abstract

The development of digital technology has driven significant transformation in the financial industry, especially with the emergence of financial technology (fintech) companies that have become serious competitors for conventional financial institutions. In Indonesia, online lending-based fintech is increasingly in demand, posing challenges to the profitability and efficiency of banks, including Regional Development Banks (BPD). This study aims to determine the differences in BPD financial performance before and during the presence of fintech, in terms of the Return on Asset (ROA), Return on Equity (ROE), Net Interest Margin (NIM), and Operating Expenses to Operating Income (BOPO) ratios. This study uses a comparative quantitative approach with a sample of 7 BPDs selected through area sampling techniques from a total population of 24 conventional BPDs. Data were taken from financial reports for the periods 2013–2016 (before fintech) and 2017–2020 (during fintech). The analysis was carried out using the Wilcoxon Signed Rank Test with the help of STATA software, because the data was not normally distributed. The results showed that ROA, ROE, and NIM experienced significant differences between the two periods, while BOPO did not show any significant differences. This finding indicates that the presence of fintech has an impact on profitability, but not on operational efficiency. This study provides an empirical contribution in seeing the impact of fintech on the financial performance of regional banks and can be a basis for regulators and management in formulating financial technology adaptation strategies in the future.
From Knowledge to Fintech: Drivers of Generation Z’s Investment Interest Gracia, Olivia; Champaca, Mychelia
Jurnal Management Risiko dan Keuangan Vol. 4 No. 4 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/jmrk.2025.04.4.05

Abstract

The rapid growth of financial technology and the increasing accessibility of investment platforms have transformed how young generations approach financial decisions, making it essential to understand the factors that drive their investment behavior. This study aims to examine the influence of investment knowledge, investment risk perception, and financial technology on the investment intention of Generation Z. Using a quantitative research design, 120 respondents from Generation Z were selected through a non-probability purposive sampling method. Data were collected using questionnaires that met validity and reliability criteria, then analyzed using multiple linear regression after passing classical assumption tests. The results indicate that investment knowledge and financial technology both have a positive and significant effect on investment intention, suggesting that greater understanding and digital accessibility encourage participation in investment activities. Conversely, investment risk perception shows a negative and significant effect, implying that higher perceived risks may discourage potential investors. These findings highlight the need for targeted financial education and the optimization of fintech tools to reduce perceived barriers, thereby fostering stronger investment engagement among young generations in the digital era.